I am stuck using IF AND Function

The amount commission is payable on is due to certain conditions, if a
deposit has been received, if invoice has been paid in full, if full payment
received within 21 days.

I show Invoice Net amount in F16 and deposit received in G16

No commission will be paid until invoice has been paid in full and balance
must be paid within 21 days. If full payment is received but the balance is
after the 21 day period then we still need to pay commission on the deposit
rec´d (G16)

I have yes & no answers in rows - Deposit rec´d (I16), paid in full (K16),
within 21 days (N16).

What I need to do is the following:
IF I16=YES & K16=YES & NI6=YES  THEN SHOW AMOUNT IN F16
IF I16=YES & K16=YES & N16=NO  THEN SHOW AMOUNT IN G16
IF I16=NO  & K16=YES & N16=YES THEN SHOW AMOUNT IN F16
IF NONE OF THESE THEN SHOW AMOUNT OF 0

This is what I have tried but failed miserably

=IF(AND(I16="yes",K16="yes",N16="yes",F16,0),IF(AND(I16="yes,K16="yes",N16="no",G16,),IF(AND(I16="no",K16="yes",N16="yes",F16,0)

Please can anyone tell me where I am going wrong.

Thanks Amanda